You are now being redirected out of the Barney & Barney main website to an independent site which can provide immediate quotes for insurance.

If you need assistance completing a form, please contact Barney & Barney.

By clicking on the button below, I am agreeing that I understand and have read "Things You Should Know Before Applying Online"

THINGS YOU SHOULD KNOW BEFORE APPLYING ONLINE:

Rates – The rate you will receive by going through our website is the exact same rate as if you went to the health insurance company or travel insurance company directly. There are no additional costs or hidden fees for using our website. Our compensation comes directly from the health insurance company. By going through our website you will be designating Barney & Barney LLC as your insurance broker for the health insurance plan you are applying for. As your broker we will be able to work on your behalf with the health insurance company to place coverage, answer questions, solve problems and make requests.

Medical Underwriting – Individual and Family Health Insurance Plans are not guaranteed. Your health insurance application may go through medical underwriting. When you apply for an Individual or Family Plan, the health insurance company will review the applicant’s medical history, and can accept the application at the premier rate (the best rate available which is shown on the price comparison in the published and online materials), accept the application but increase the rate (typically 20% or 50%), or even decline the application. A declination should be avoided, as it will impact eligibility and availability of individual insurance products in the future. If you or any family members do have an ongoing or chronic medical condition, or have had a medical condition in the past, please contact us so we can confirm with the health insurance company a likely underwriting decision.

Pre-existing Conditions – A pre-existing condition is usually defined as an illness, injury or condition for which medical advice, diagnosis, care or treatment was recommended or received from a licensed health practitioner during the six months immediately prior to the requested plan effective date. If you do have a pre-existing condition, the insurance company may deny your application. If your application is accepted, and a health insurance policy issued, pre-existing conditions may not be covered until you have fulfilled a waiting period (usually six months, but see your plan details for specifics). Pre-existing condition waiting periods may be waived if you have continuous creditable health care coverage. Please contact us if you are concerned about a pre-existing condition and want to know how the condition might impact your ability to obtain a health insurance plan, or if there will be any waiting periods if your application is accepted. Travel insurance plans do not cover pre-existing conditions.

Residency Requirement – The Individual and Family Plans offered through this website are for California residents. For insurance purposes, a California resident is someone who has a physical address in California. Some health insurance plans require that you must physically be in California to apply. Some health insurance plans require that you must have resided in California for a minimum period of time (three months or six months for example) if you are not a US citizen or permanent resident. Some health insurance plans require that applicants must have a social security number. Please contact us if you have concerns about the residency requirement or social security number requirement. Eligibility for travel insurance plans depends on your citizenship or country of residence.

IMPORTANT NOTICES AND DISCLAIMERS:

Do not cancel any current health insurance coverage or decline any COBRA benefits until you receive an approval letter and a health insurance policy (insurance contract), from the health insurance company you selected. Be sure that you read, understand and agree with the terms of the policy. Please pay close attention to the effective date, premium amount, waiting periods, benefits, limitations, exclusions, and any policy riders.

The rates shown online or in the published materials are estimates only. Your health insurance plan premium is subject to change based on your medical history, the underwriting practices of the health insurance company, any additional optional benefits you may have selected (such as dental or life insurance), and any other relevant factors. The health insurance company always determines your actual premium. Health insurance companies reserve the right to change the term of a policy upon proper notification.

Once you receive your health insurance plan materials, please be sure to review the evidence of coverage and plan contract for a detailed description of coverage benefits, limitations, and exclusions. Only the terms and conditions of coverage benefits listed in the policy are binding. You may request in advance a detailed plan brochure for more details and specifics on each plan. Upon approval of your health insurance coverage you will receive "evidence of coverage" details on your new health insurance plan, and will be allowed a 10 day "free-look period" to review the plan details without obligation of continuing on the health insurance plan.